Summary
DIFFERDING ASSURANCES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €245,914 and a net result of €86,413. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 94% of 3,012 sector peers (NACE 66, fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Financials · fiscal year 2025, micro schema
Equity
€245,914▲ 54.2%
2024 · €159,501
Net result
€86,413▲ 15.1%
2024 · €75,107
Total assets
€259,016▲ 47.8%
2024 · €175,220
Solvency
94.9%▲ 3.9pp
2024 · 91.0%
Trend over the years
2021 to 2025, 5 fiscal years 2018 to 2025, 8 fiscal years
The operating result has risen four years in a row; 2025 is 12% above 2024 and is the highest result in the available series.
What the company sold each fiscal year and what was left of it. A loss stands below the zero line.
Operating result€113,572
2025
Net result€86,413
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€259,016
2025
Equity€245,914
2025
Debt€13,103
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€164,902
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)33.4%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency94.9%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio13.59
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)1
2024
Point at or tap a year, or use the arrow keys on the chart, for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€3,712-€12,874▲ 247%€6,867▼ 46.7%€9,597▲ 39.8%€11,760▲ 22.5%€69,926▲ 495%€101,293▲ 44.9%€113,572▲ 12.1%
Net result€1,012-€6,985▲ 590%€2,440below the sector's middle half▼ 65.1%€3,542below the sector's middle half▲ 45.2%€6,697within the sector's middle half▲ 89.1%€50,864within the sector's middle half▲ 659%€75,107within the sector's middle half▲ 47.7%€86,413above the sector's middle half▲ 15.1%
Equity€95,658-€42,433▼ 55.6%€29,872below the sector's middle half▼ 29.6%€33,414below the sector's middle half▲ 11.9%€33,530below the sector's middle half▲ 0.3%€84,394within the sector's middle half▲ 152%€159,501within the sector's middle half▲ 89.0%€245,914within the sector's middle half▲ 54.2%
Total assets€120,121-€62,084▼ 48.3%€66,999below the sector's middle half▲ 7.9%€65,364below the sector's middle half▼ 2.4%€65,057below the sector's middle half▼ 0.5%€104,063below the sector's middle half▲ 60.0%€175,220within the sector's middle half▲ 68.4%€259,016within the sector's middle half▲ 47.8%
Debt€24,463-€19,651▼ 19.7%€37,127▲ 88.9%€31,950▼ 13.9%€31,527▼ 1.3%€19,669▼ 37.6%€15,720▼ 20.1%€13,103▼ 16.7%
Working capital€73,666-€25,084▼ 65.9%-€816within the sector's middle half€7,062within the sector's middle half€11,414within the sector's middle half▲ 61.6%€81,203within the sector's middle half▲ 611%€156,365within the sector's middle half▲ 92.6%€164,902within the sector's middle half▲ 5.5%
Solvency79.6%-68.3%▼ 11.3pp44.6%within the sector's middle half▼ 23.8pp51.1%within the sector's middle half▲ 6.5pp51.5%within the sector's middle half▲ 0.4pp81.1%above the sector's middle half▲ 29.6pp91.0%above the sector's middle half▲ 9.9pp94.9%above the sector's middle half▲ 3.9pp
Current ratio5.21-2.40▼ 2.810.96within the sector's middle half▼ 1.441.32within the sector's middle half▲ 0.351.42within the sector's middle half▲ 0.105.13above the sector's middle half▲ 3.7110.95above the sector's middle half▲ 5.8213.59above the sector's middle half▲ 2.64
Return on assets (ROA)0.8%-11.3%▲ 10.4pp3.6%within the sector's middle half▼ 7.6pp5.4%within the sector's middle half▲ 1.8pp10.3%within the sector's middle half▲ 4.9pp48.9%above the sector's middle half▲ 38.6pp42.9%above the sector's middle half▼ 6.0pp33.4%above the sector's middle half▼ 9.5pp
Staff (FTE)0.9-0.8▼ 11.1%0.8below the sector's middle half=1▲ 25.0%1=1=1=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €259,016
Fixed assets
€81,012 ▲ 2,484%
Current assets
€178,004 ▲ 3.4%
Equity and liabilities €259,016
Equity
€245,914 ▲ 54.2%
Debt
€13,103 ▼ 16.7%
Debt's share of the balance-sheet total falls from 9.0% to 5.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
35.1%▼
2024 · 47.1%
Debt ≤ 1 year
€13,103▼
2024 · €15,720
Income taxes
€26,893▲
2024 · €25,880
Staff costs
€47,502▲
2024 · €46,206
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €250 | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | €39,456 | €41,817 | €46,013 | €46,206 | €47,502 | ▲ 2.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,566 | €9,845 | €1,967 | €9,474 | €9,474 | €276 | €949 | €5,420 | ▲ 471% |
| Other operating charges640/8 | - | - | - | €1,888 | €1,794 | €4,639 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €54,999 | €63,497 | €63,324 | €60,415 | €64,845 | €120,853 | €148,834 | €166,894 | ▲ 12.1% |
| Operating profit (loss)9901 | €3,712 | €12,874 | €6,867 | €9,597 | €11,760 | €69,926 | €101,293 | €113,572 | ▲ 12.1% |
| Financial income75/76B | - | - | - | €0 | €20 | - | - | €0 | - |
| Recurring financial income75 | €95 | €20 | €4 | €0 | €20 | - | - | €0 | - |
| Financial charges65/66B | - | - | - | €1,125 | €1,155 | €944 | €306 | €266 | ▼ 13.1% |
| Recurring financial charges65 | €821 | €1,454 | €848 | €1,125 | €1,155 | €944 | €306 | €266 | ▼ 13.1% |
| Profit (loss) for the period before taxes9903 | €2,987 | €11,440 | €6,022 | €8,472 | €10,626 | €68,982 | €100,987 | €113,307 | ▲ 12.2% |
| Income taxes67/77 | €1,975 | €4,455 | €3,582 | €4,931 | €3,929 | €18,118 | €25,880 | €26,893 | ▲ 3.9% |
| Profit (loss) for the period9904 | €1,012 | €6,985 | €2,440 | €3,542 | €6,697 | €50,864 | €75,107 | €86,413 | ▲ 15.1% |
| Profit (loss) for the period to be appropriated9905 | €1,012 | €6,985 | €2,440 | €3,542 | €6,697 | €50,864 | €75,107 | €86,413 | ▲ 15.1% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €120,121 | €62,084 | €66,999 | €65,364 | €65,057 | €104,063 | €175,220 | €259,016 | ▲ 47.8% |
| Fixed assets21/28 | €28,943 | €19,098 | €45,508 | €36,035 | €26,561 | €3,191 | €3,135 | €81,012 | ▲ 2,484% |
| Tangible fixed assets22/27 | €28,836 | €18,991 | €45,402 | €35,928 | €26,454 | €3,084 | €3,029 | €80,906 | ▲ 2,571% |
| Plant, machinery and equipment23 | - | - | - | - | - | - | - | €62,529 | - |
| Furniture and vehicles24 | - | - | - | €35,928 | €26,454 | €3,084 | €3,029 | €18,377 | ▲ 507% |
| Financial fixed assets28 | €107 | €107 | €107 | €107 | €107 | €107 | €107 | €107 | = |
| Current assets29/58 | €91,179 | €42,986 | €21,491 | €29,330 | €38,497 | €100,872 | €172,085 | €178,004 | ▲ 3.4% |
| Amounts receivable within one year40/41 | €74,157 | €24,600 | €7,854 | €6,104 | €20,105 | €8,882 | - | €17,107 | - |
| Trade receivables40 | - | - | - | €2,718 | €8,485 | - | - | - | - |
| Other amounts receivable41 | - | - | - | €3,386 | €11,620 | €8,882 | - | €17,107 | - |
| Current investments50/53 | €4,663 | €4,664 | €4,665 | €4,665 | €4,666 | - | - | - | - |
| Cash at bank and in hand54/58 | €10,607 | €11,411 | €6,781 | €15,839 | €11,279 | €80,118 | €153,363 | €144,994 | ▼ 5.5% |
| Deferred charges and accrued income490/1 | - | - | - | €2,722 | €2,447 | €11,872 | €18,722 | €15,903 | ▼ 15.1% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €120,121 | €62,084 | €66,999 | €65,364 | €65,057 | €104,063 | €175,220 | €259,016 | ▲ 47.8% |
| Equity10/15 | €95,658 | €42,433 | €29,872 | €33,414 | €33,530 | €84,394 | €159,501 | €245,914 | ▲ 54.2% |
| Contributions10/11 | €51,197 | - | - | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Reserves13 | €42,716 | €36,235 | €23,675 | €27,217 | €27,217 | €27,217 | €27,217 | €27,217 | = |
| Distributable reserves133 | - | - | - | €27,217 | €27,217 | €27,217 | €27,217 | €27,217 | = |
| Profit (loss) carried forward14 | €1,746 | €1,593 | €1,746 | - | €116 | €50,980 | €126,087 | €212,500 | ▲ 68.5% |
| Amounts payable17/49 | €24,463 | €19,651 | €37,127 | €31,950 | €31,527 | €19,669 | €15,720 | €13,103 | ▼ 16.7% |
| Amounts payable after more than one year17 | €6,950 | €1,749 | €14,820 | €9,683 | €4,444 | - | - | - | - |
| Financial debts170/4 | - | - | - | €9,683 | €4,444 | - | - | - | - |
| Amounts payable within one year42/48 | €17,512 | €17,902 | €22,307 | €22,268 | €27,083 | €19,669 | €15,720 | €13,103 | ▼ 16.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | €5,137 | €5,238 | €4,444 | - | - | - |
| Financial debts43 | - | - | - | €635 | €713 | - | - | - | - |
| Credit institutions430/8 | - | - | - | €635 | €713 | - | - | - | - |
| Trade debts44 | €4,626 | €5,482 | €2,577 | €259 | €278 | €1,138 | €259 | €264 | ▲ 1.9% |
| Suppliers440/4 | - | - | - | €259 | €278 | €1,138 | €259 | €264 | ▲ 1.9% |
| Taxes, remuneration and social security45 | - | - | - | €12,189 | €14,272 | €12,037 | €13,411 | €12,839 | ▼ 4.3% |
| Taxes450/3 | - | - | - | €3,620 | €2,091 | €1,244 | €2,177 | €1,310 | ▼ 39.9% |
| Remuneration and social security454/9 | - | - | - | €8,569 | €12,181 | €10,793 | €11,233 | €11,529 | ▲ 2.6% |
| Other amounts payable47/48 | - | - | - | €4,048 | €6,581 | €2,050 | €2,050 | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,012 | €6,985 | €2,440 | €3,542 | €6,697 | €50,864 | €75,107 | €86,413 | ▲ 15.1% |
| + Depreciation and write-downs630 | €10,566 | €9,845 | €1,967 | €9,474 | €9,474 | €276 | €949 | €5,420 | ▲ 471% |
| Operating cash flow (approximation) | €11,578 | €16,830 | €4,407 | €13,015 | €16,171 | €51,139 | €76,055 | €91,833 | ▲ 20.7% |
| Investment in fixed assets (approximation) | - | €0 | -€28,378 | €0 | €0 | €23,094 | -€893 | -€83,297 | ▼ 9,228% |
| Change in cash | - | €804 | -€4,630 | €9,058 | -€4,560 | €68,839 | €73,245 | -€8,368 | ▼ 111% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of 4,685 companies in this sector we hold annual accounts for 3,258. 2,808 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector